Sorry but 19% is crazy, like flushing $115 every month down the crapper..
As for a list of what can go wrong with a 15+yr old car, the list is endless. I would save and buy with cash or a personal loan at say 6% interest max.
Look on this website for local cars if your area, maybe a fixer upper.
http://losangeles.craigslist.org/cgi...maxAsk=&addTwo=